Usage

We were just saying that we've...
We were just talking about how we've ...

Hi,
Is the usage of "that" correct here? If not, what would be a correct way to say this?

"We were just talking that we've never sent a cheque to anyone in life"

"that we've never sent a cheque to anyone in life" This is a noun clause, ie a clause that acts like a noun. 'That' is optional.

Thanks, Clive. But in this context, it was me telling this to someone in E-mail about how myself and my friend were talking. So, is it still OK to use "saying"?

Thanks, Clive. I understand what you mean when you say you can't "talk" that today is Sunday.

What I meant to ask was, "we were just saying that we've never written a cheque to anyone in life". - Usually, we say "saying" when one person is talking, so my question was if we could use "saying" even though both of us were actively talking about it.

Thank you very much.

Finally, how is "saying" different from "talking" in that saying is a verb and talking isn't?

And, someone else earlier said it was also OK to say "We were just talking about how we've never .... " Is this also correct? If so, how will you breakdown the grammar rules here?

my mistake, yes you said "you need a verb that can take an object". Sorry if you were offended, didn't mean it.

Last question - is saying "We were just talking about how we've... " correct? If so, how do you explain the grammar behind this one?